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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $56,181 | $72,272-22.3% | $101,264-44.5% | $79,858-29.6% |
| Participation rate | 100.0% | 68.5%+31.5pp | 75.8%+24.2pp | 69.6%+30.4pp |
| Annual return | 13.93% | 22.30%-8.4pp | 46.48%-32.5pp | 31.72%-17.8pp |
| Employer contribution / active EE | $7,208 | $2,692+167.8% | $3,660+96.9% | $2,471+191.7% |
| Participant deferral / active EE | $2,210 | $3,282-32.7% | $4,370-49.4% | $3,740-40.9% |
| Admin fee / account holder | $992 | $4,401-77.4% | $5,947-83.3% | $5,306-81.3% |